Crouchie's Lawyer

Dont think Essruu could be bothered to renew the £70 p.a hosting fee

As see what you did there, very good!

I was trying to be a little more subtle

I saw that, would you be happy putting your name to a website which pulishes such, how shall we say, strong views though? Dont get me wrong, most of what is posted on there is b-anter and fun, but there is a few remarks made once in a while which are questionably over the line

Entre as I am trying to find a decent 'Enter' sign for a website I am designing and thought I would give 'entre' a go see what came up... Bit bizarre?

Will it be wrapped? :smt026 I love presents!

Number 3. HTH

Apparently not. I would be less surprised if I worked in a call centre full of young people or in an OAP's home or something, but the Business Centre I work in houses some posh companies, with mainly middle aged, well off blokes and ladies. There is just one sick f*cker who cant use a loo properly

F*cking inconsiderate, c*ck munching feltcher. Some c*nt keeps sh!tting on the loo seat in the shared toilets at work. We share them with about 4 other companies and it is someone from one of these other companies who obviously hovers about a foot above the loo and sh!ts all over the seat. They do not even have the courtesy to wipe it off afterwards. If I ever find out who the f*cker is, Im gonna rip the loo seat off and f*cking smack him in the face with it, making sure I hit his nose in the spot he has shat on! C*nt! That is all

you may wanna post a link???

for double posting/not being cool. Im sure you will get a few mill! :smt042

Sue me

Ah, but you would be risking ending the world. If she has to always land on her face and the cat on its feet / toast butter side down, then they wont land, Physics will be defied and we will all be swallowed up by the black hole it would create!

:smt042 just a 'friendly' kick, nothing more... What did they do to him for god's sake?! Dirty buggers!

http://uk.news.yahoo.com/4/20081125/twl-police-probe-attacks-on-redheads-41f21e0.html In all seriousness, Robsk... are you ok??? Just checking it wasnt you mate...

Was wondering when it would finally die... would be good to see if some of the regulars swallowed their pride/bitterness and joined here though as they are quite funny

Centre of gravity Im assuming :smt102 normally the heaviest part lands first, in this case, it's the ugliest part!

*cough* Andrew Davies *cough* I'd hazard a guess we probably made a loss on him with the sell on fee M'boro no doubt included.

Sadbo

A brief look at the market (I just checked HSBC, Abbey, Halifax, C&G, Woolwich, Alliance & Leicester, Chelsea & Nationwide) shows that since the BOE has been reduced by 1.5%, a lot of lenders have pulled all their tracker rates which are anything below 1% above base (if that makes sense) and replaced them with quite high rates. Lenders are discouraging clients choosing BOE trackers as they know they will make a loss on the mortgages if BOE continues to fall. They are doing this by trying to increase the initial rates, although there are still some bargains to be had out there, especially if you have a lot of equity. They are trying to get people to take out fixed rates so they can budget their money accordingly and benefit in any reduction in LIBOR while not having to pass interest rate cuts onto those on fixed rates. Abbey offer a 2 year fixed rate of 4.49% with a £995 fee at 60% LTV (Loan to Value) or 4.54% at 70% LTV with the same fee. Alliance & Leicester are offering a 4.49% 2 year fixed for up to 60% LTV with a 1% (of the amount you borrow) fee and a 4.79% 2 year fixed for up to 75% LTV with a 0.75% arrangement fee if you have or take out one of their Premier Accounts. The Woolwich have a few good ones too of note, namely a 3.99% fixed rate for 1 year, then tracks the barclays base rate (would need to check if this changes in line with the bank of england base rate) at 1.99% up to 60% LTV with a £995 fee. Or 4.49% fixed for a year, then 1.99% above BBBR for up to 70% LTV with a £995 fee (or no fee if you dont wanna pay a fee and up to 60% LTV) Lowest Term tracker I can find, is still with HSBC at 0.99% above Base, but requires 40% equity in the property, and has a £995 fee. This has changed from the, up to 90% LTV with a £599 fee for a 0.79% term tracker I got a few weeks ago. Hope this info helps people

Yesh we can! (Said in an Obama way) I'm surprised it's still on the Toob as there is a bit of porn at the begining and him in the bath w*nking! By the time I get home to listen to it, no doubt it will be removed from toob

Would your answer be 'I would' to most of them?

God damn being at work with no sound. Looks funneh though...

Sorry mate but this is wrong. Most Trackers do not have a base cap. Although I feel we may see a lot more of this in the coming months with lenders not wanting to lose more money borrowing £x at x% LIBOR and having to lend it on at a lot lower rate all because the BOE has reduced and LIBOR hasnt. My tracker has no bottom cap (Ooh err), it may well be that I have been lucky, but my advice would be to try and find one without a base cap. Although the rate you are paying is very low (0.28% above Base) so it may well be that the benefit you get is a lower rate (0.28% above) but the fallback is that there is a bottom line cap?

No offence taken H, but the world of mortgages is a very complicated one, and the 'middle man' often offers a service which explains the in's and out's of a certain deal. Its all well and good doing it yourself, even with a guide, however, do you really understand all of the jargen? I mean, if it were this simple, then sureley everyone would be CeMAP qualified? There will always be people who are financially astute and lucky to boot, managing to get themselves a good deal, even if they have limited knowledge of the mortgage market/products, but for every one person who does this, there are tens if not hundreds who just renegotiate a deal with their current lenders because they are not aware of what is available to them, unsure of how to get, or too lazy/dont have time to change. The above part of your quote which i have highlighted (and there is no offense intended here) just goes to show the misunderstanding people have. I said a tracker rate is above the Bank of England Base Rate, not the lenders SVR as you say. I said any rate which follows a lenders SVR is NOT a good thing at the moment. And I currently work in Air Conditioning (although in the process of setting up on my own, but this wont be for a while yet) so am not looking at soliciting business, mearly offering a few helpful tips to fellow Saints fans! I have nothing to gain from this and you will find that the FSA strictly monitors brokers, stopping practises like favouring a particular lender due to higher commission anyway. This stopped years ago and goes to show how much bad press can affect an industry. Capital One for example always rave on about their fraudulent use policy whereby you will not be held liable for money fruadulently added to your credit card. This is a spin on the general public opinion. Most if not all banks will do this, but they do not actively advertise this, meaning people will take out a Capital One card, thinking they are safer with it. And to top it off, most high street lenders pay the same commission anyway, so a recommendation is based on needs and circumstances as well as best product, rather than because it will put extra £££'s into people pockets. Being completely honest, prime, high street mortgages are not very commission friendly anyway, its actually the insurances brokers make their money on, not the mortgages. The rate I pay is 0.79% above base rate. The rate you will be paying, albeit fixed for 3 years is 4.94%. Base rate would have to increase by 5 points for me to be paying a higher percentage than you, and although base rate has recently fell by 1.5% and prior to that 0.5%, generally, it only decreases/increases at 0.25% a time unless something major needs doing (like shown recently). My advice was that I recommend people to take out a tracker at the moment with no ERC's and sit tight watching what banks do with their Fixed rates (which is dependant on the LIBOR rate, which in time, should hopefully come down, meaning fixed rates should come down too). I see (along with hundreds of economists) interest rates going nowhere but down next year as the decrease in VAT is not going to get people spending as much as the government think it will or hope it will. The only way to encourage spending is to reduce rates so people have more money in their pockets (if their mortgages go down) and discourage people saving (as the interest rate received will be cr*p). The second part to my advice is that once rates do get very low (and it is a question of timing, but even if you get it slightly wrong, you will still be better off than fixing it now) to fix it at this point. using random figures, it rates fall to say 2.5%, ill pay paying 3.29%. If there is a fixed rate available then of 3.94% ill take that. Ill then have had the advantage of not only having reductions in my payments when rates fall, but fixing it at a lot lower percentage than rates available at the moment. As I mentioned previously, different people have different situations so some people would be suited to a fixed rate, but IMO, if you have no preference for a fixed rate, then trackers are the way forward for the moment. No offense, but dismissing advice from someone who has market knowledge and experience is very niave. You wouldnt dismiss the help from a dentist and drill your own teeth would you? Even if you had a guide on how to do it. 4.94% is a good fixed rate yes, but based on how rates have been/state of the economy over the last year. If 6 months ago, you offered me a 4.94% 3 year fixed rate, I would have snapped your finger off quicker than anything, however, I have been very lucky personally with rates changing just before my fixed rate came to an end and as such have had a better look at what the economy is doing/going to do in order to base my decision on what I think will be a beneficial rate for me. Ask me a year ago and I would have told you I would never take a fixed rate, which goes to show, how much i think I will benefit by doing this. Like I said, i have no gain from giving this advice, merely helping fellow Saints fans, and anyone with any other questions, feel free to PM me, or leave a message on here. Ben